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Middlesborough city, KY

ZIP 40965 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 40965

Median Home Value
$84,500
Median Rent
$433
Affordability Snapshot
$23,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$543/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 40965 in Middlesborough city, KY, a household would need roughly $23,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $543. That sits below the local median household income ($30,980), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
57.0%-13% vs US avg
x
Vacancy Rate
17.8%+72% vs US avg
x
Broadband Access
75.5%-13% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
7.4%-42% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
27.6%-45% vs US avg
x
Mortgage-Free
65.2%+71% vs US avg
x
$84,500
Home Value
$433
Rent
1976
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached61.7%
  • 1-unit attached0.4%
  • 2-9 units14.5%
  • 10+ units4.4%
  • Mobile home & other19.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$84,500
Median rent$433
Owner-occupied57.0%
Vacant17.8%
Price-to-income2.7x
Est. income to buy$23,000